Qualicorp Consultoria e Corretora de Seguros S.A. (BVMF:QUAL3)

BVMF:QUAL3 Statistics

Total Valuation

BVMF:QUAL3 has a market cap or net worth of BRL 673.83 million. The enterprise value is 1.62 billion.

Market Cap	673.83M
Enterprise Value	1.62B

Important Dates

The last earnings date was Friday, November 14, 2025.

Earnings Date	Nov 14, 2025
Ex-Dividend Date	Jun 30, 2025

Share Statistics

BVMF:QUAL3 has 283.12 million shares outstanding.

Current Share Class	283.12M
Shares Outstanding	283.12M
Shares Change (YoY)	n/a
Shares Change (QoQ)	n/a
Owned by Insiders (%)	0.34%
Owned by Institutions (%)	10.54%
Float	149.48M

Valuation Ratios

The trailing PE ratio is 69.05 and the forward PE ratio is 7.55. BVMF:QUAL3's PEG ratio is 0.11.

PE Ratio	69.05
Forward PE	7.55
PS Ratio	0.45
PB Ratio	0.50
P/TBV Ratio	n/a
P/FCF Ratio	2.95
P/OCF Ratio	2.84
PEG Ratio	0.11

Enterprise Valuation

The stock's EV/EBITDA ratio is 6.82, with an EV/FCF ratio of 7.10.

EV / Earnings	166.00
EV / Sales	1.09
EV / EBITDA	6.82
EV / EBIT	9.41
EV / FCF	7.10

Financial Position

The company has a current ratio of 0.81, with a Debt / Equity ratio of 1.03.

Current Ratio	0.81
Quick Ratio	0.42
Debt / Equity	1.03
Debt / EBITDA	5.84
Debt / FCF	6.07
Interest Coverage	0.63

Financial Efficiency

Return on equity (ROE) is 0.65% and return on invested capital (ROIC) is 3.58%.

Return on Equity (ROE)	0.65%
Return on Assets (ROA)	2.60%
Return on Invested Capital (ROIC)	3.58%
Return on Capital Employed (ROCE)	7.73%
Revenue Per Employee	953,131
Profits Per Employee	6,263
Employee Count	1,558
Asset Turnover	0.36
Inventory Turnover	n/a

Taxes

Income Tax	-10.93M
Effective Tax Rate	n/a

Stock Price Statistics

The stock price has increased by +2.12% in the last 52 weeks. The beta is 0.84, so BVMF:QUAL3's price volatility has been lower than the market average.

Beta (5Y)	0.84
52-Week Price Change	+2.12%
50-Day Moving Average	2.41
200-Day Moving Average	2.04
Relative Strength Index (RSI)	53.76
Average Volume (20 Days)	3,555,000

Short Selling Information

Short Interest	n/a
Short Previous Month	n/a
Short % of Shares Out	n/a
Short % of Float	n/a
Short Ratio (days to cover)	n/a

Income Statement

In the last 12 months, BVMF:QUAL3 had revenue of BRL 1.48 billion and earned 9.76 million in profits. Earnings per share was 0.03.

Revenue	1.48B
Gross Profit	1.28B
Operating Income	172.12M
Pretax Income	-2.17M
Net Income	9.76M
EBITDA	231.92M
EBIT	172.12M
Earnings Per Share (EPS)	0.03

Balance Sheet

The company has 457.24 million in cash and 1.39 billion in debt, giving a net cash position of -929.56 million or -3.28 per share.

Cash & Cash Equivalents	457.24M
Total Debt	1.39B
Net Cash	-929.56M
Net Cash Per Share	-3.28
Equity (Book Value)	1.34B
Book Value Per Share	4.68
Working Capital	-312.67M

Cash Flow

In the last 12 months, operating cash flow was 237.07 million and capital expenditures -8.78 million, giving a free cash flow of 228.28 million.

Operating Cash Flow	237.07M
Capital Expenditures	-8.78M
Free Cash Flow	228.28M
FCF Per Share	0.81

Margins

Gross margin is 86.07%, with operating and profit margins of 11.59% and 0.66%.

Gross Margin	86.07%
Operating Margin	11.59%
Pretax Margin	-0.15%
Profit Margin	0.66%
EBITDA Margin	15.62%
EBIT Margin	11.59%
FCF Margin	15.37%

Dividends & Yields

This stock pays an annual dividend of 0.01, which amounts to a dividend yield of 0.23%.

Dividend Per Share	0.01
Dividend Yield	0.23%
Dividend Growth (YoY)	n/a
Years of Dividend Growth	n/a
Payout Ratio	n/a
Buyback Yield	n/a
Shareholder Yield	0.23%
Earnings Yield	1.45%
FCF Yield	33.88%

Fair Value

There are several formulas that can be used to estimate the intrinsic value of a stock.

Lynch Fair Value
Lynch Upside
Graham Number
Graham Upside

Stock Splits

This stock does not have any record of stock splits.

Last Split Date	n/a
Split Type	n/a
Split Ratio	n/a

Scores

BVMF:QUAL3 has an Altman Z-Score of 0.71 and a Piotroski F-Score of 7. A Z-score under 3 suggests an increased risk of bankruptcy.

Altman Z-Score	0.71
Piotroski F-Score	7